Lunar Bank Review 2026: Best Neobank for Nordic Countries?
🌍 Nordic Countries Only
Lunar is only available in Denmark, Sweden, and Norway. If you are based outside these countries, see our full EU comparison instead.
Overview
The leading Nordic neobank with a full Danish banking license — serves 1M+ personal customers and 40,000 businesses across Denmark, Sweden, and Norway; deepest Nordic market penetration of any digital-only bank
Regulatory Status & Deposit Protection
Full Danish banking license (Finanstilsynet regulated, 2019); EUR 100,000 equivalent deposit protection (Danish DGS)
Pricing Plans
| Plan | DKK/mo | ~EUR/mo | Key Perks |
|---|---|---|---|
| Free | Free | — | Basic account, digital card |
| Standard | DKK 39 | ~€5.20 | ~€5.20/month; day-to-day tools, auto savings, joint account |
| Plus | DKK 79 | ~€10.60 | ~€10.60/month; travel insurance, +0.50% interest bonus |
| Unlimited | DKK 149 | ~€20 | ~€20/month; metal card, highest interest, SAS card, unlimited accounts |
Key Features
- Full current account with Visa debit card
- Automatic savings and round-up savings rules
- Budgeting by category
- Joint accounts
- 1.05% interest on savings balance
- Worldwide travel insurance (Plus/Unlimited tiers)
- SAS EuroBonus co-branded card (Unlimited tier)
- Business accounts with automated bookkeeping and bill payment
Pros & Cons
✅ Pros
- • Full current account with Visa debit card
- • Automatic savings and round-up savings rules
- • Budgeting by category
- • Joint accounts
- • 1.05% interest on savings balance
❌ Cons
- • Geographically limited to Nordics — not available to most EU customers
- • Smaller product breadth vs. pan-European rivals (no investing/crypto)
- • Niche brand outside Scandinavia
- • Trustpilot score lower than top-tier peers (3.4/5 on neobanks.app Nov 2025)
Travel Features
Compare all banks for travel →Foreign Exchange
No markupVisa interbank rate on all international card spend — no FX markup. Focused on Nordic cross-border use (DKK/SEK/NOK).
ATM Abroad
ATM withdrawals abroad: DKK 25 flat fee. Within Nordics: conditions vary by plan.
Travel Insurance
- ✓ Worldwide travel insurance (Plus/Unlimited)
- ✓ Medical emergencies
- ✓ Trip cancellation
- ✓ Luggage
Plus tier (~€10.60/month) includes comprehensive worldwide travel insurance. Unlimited tier includes enhanced cover.
Airport Lounge
No airport lounge access on any tier.
Multi-Currency
Designed for Nordic multi-currency use across Denmark, Sweden, and Norway. Not a global multi-currency platform.
✈️ Travel Perks
- • Worldwide travel insurance from Plus tier
- • SAS EuroBonus co-branded card on Unlimited tier (earn airline miles)
- • No FX fees on Visa card spend
- • Designed for Nordic cross-border travel (DKK/SEK/NOK accounts)
- • MiCAR-authorised crypto for travel-related DeFi/spending
Services: Crypto, Investing & Savings
Cryptocurrency
Available- • Buy & sell major cryptocurrencies
- • In-app crypto portfolio
- • Convert crypto to DKK/SEK/NOK
- • First Scandinavian neobank with full MiCAR CASP licence (October 2025)
Custodial; MiCAR CASP authorised
Compare crypto across EU neobanks →Investments
Not availableLunar does not offer investment products.
Savings
AvailableBase 1.05% + 0.50% bonus on Plus tier
Standard: 1.05%; Plus: 1.55%; Unlimited: 1.55%+ (tier benefits)
Compare savings rates across EU neobanks →Business Banking
AvailableAccounting: e-conomic, Billy, Dinero
Best for Nordic businesses (Denmark, Norway, Sweden). 40K+ business users. Integrates with Scandinavian accounting software. Danish banking licence with deposit protection. MiCAR-licenced for crypto services.
Compare all business accounts →Premium Plans
Compare all banks' premium plans →- • Basic current account
- • Digital card only
- • Basic budgeting
- • Physical Visa card
- • Auto-savings rules
- • Joint account access
- • Day-to-day banking tools
- • Worldwide travel insurance
- • 1.55% p.a. savings rate
- • +0.50% savings bonus
- • Priority support
- • Metal card
- • SAS EuroBonus co-branded card
- • Highest savings rate
- • Unlimited number of sub-accounts
- • Premium travel insurance
| Feature | Free Free | Standard €5.2/mo | Plus €10.6/mo ★ Best value | Unlimited €20/mo |
|---|---|---|---|---|
| Metal card | — | — | — | ✓ |
| Travel insurance | — | — | ✓ | ✓ |
| Airport lounge | — | — | — | — |
| Free ATM/month | — | — | — | — |
| Free FX/month | — | — | — | — |
| Savings rate | 1.05% p.a. | 1.05% p.a. | 1.55% p.a. | 1.55%+ |
| Cashback | — | — | — | — |
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Our Verdict
Lunar is the strongest full-service neobank in the Nordic region — full Danish banking licence, 1M+ customers, and deep local market penetration in Denmark, Sweden, and Norway. Its 4.6/5 Trustpilot score reflects genuine user satisfaction. Outside Scandinavia, it is irrelevant; inside the Nordics, it is a top pick alongside Revolut.